The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Barings Corporate Investors (M BDFUND 06759X107 5,259 399,016 SH   SOLE   199,508 0 199,508
Barings Participation Inv (MPV BDFUND 06761A103 874 73,566 SH   SOLE   36,783 0 36,783
IShares 0-5 Year Tips ETF (STI BDFUND 46429B747 475 4,550 SH   SOLE   2,275 0 2,275
Invesco Bullestshares 2021 (BS BDFUND 46138J700 848 40,000 SH   SOLE   20,000 0 20,000
Invesco Bullet Shares 2022 (BS BDFUND 46138J882 4,643 213,460 SH   SOLE   106,730 0 106,730
Invesco Bulletshares 2023 Corp BDFUND 46138J866 5,608 256,090 SH   SOLE   128,045 0 128,045
Invesco Bulletshares 2024 (BSC BDFUND 46138J841 4,128 184,390 SH   SOLE   92,195 0 92,195
Invesco Bulletshares 2025 Corp BDFUND 46138J825 654 28,910 SH   SOLE   14,455 0 14,455
Metropolitan West Total Return BDFUND 592905103 395 35,359 SH   SOLE   17,680 0 17,680
SPDR Int Corporate Bond ETF (S BDFUND 78464A375 1,469 39,524 SH   SOLE   19,762 0 19,762
SPDR Inv't Grade Floating Rate BDFUND 78468R200 20,527 671,050 SH   SOLE   335,525 0 335,525
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739 3,738 75,074 SH   SOLE   37,537 0 37,537
SPDR Nuveen Bloomberg Municipa BDFUND 78468R721 934 17,800 SH   SOLE   8,900 0 8,900
Schwab Aggregate Bond ETF (SCH BDFUND 808524839 6,217 110,950 SH   SOLE   55,475 0 55,475
Schwab US Tips ETF (SCHP) BDFUND 808524870 5,020 80,870 SH   SOLE   40,435 0 40,435
VanEck Vectors Shrt Mun ETF (S BDFUND 92189F528 1,286 71,000 SH   SOLE   35,500 0 35,500
Vanguard Intermediate Corp Bon BDFUND 92206C870 14,743 151,772 SH   SOLE   75,886 0 75,886
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409 38,384 461,072 SH   SOLE   230,536 0 230,536
Vanguard Tax-Exempt Bond Index BDFUND 922907746 450 8,150 SH   SOLE   4,075 0 4,075
iShares 1-5 yr Inv Grade Corp BDFUND 464288646 9,448 171,260 SH   SOLE   85,630 0 85,630
iShares National Muni Bond (MU BDFUND 464288414 9,881 84,310 SH   SOLE   42,155 0 42,155
iShares Short Term Nat'l Muni BDFUND 464288158 9,368 86,650 SH   SOLE   43,325 0 43,325
iShares TIPS Bond Fund (TIP) BDFUND 464287176 6,590 51,622 SH   SOLE   25,811 0 25,811
Healthpeak Prop (PEAK) REIT 42250P103 1,372 45,400 SH   SOLE   22,700 0 22,700
Schwab REIT ETF (SCHH) REIT 808524847 1,031 27,150 SH   SOLE   13,575 0 13,575
Vanguard REIT Index ETF (VNQ) REIT 922908553 995 11,720 SH   SOLE   5,860 0 5,860
Weyerhauser (WY) REIT 962166104 3,529 105,250 SH   SOLE   52,625 0 52,625
3M Company (MMM) COM 88579Y101 1,271 7,272 SH   SOLE   3,636 0 3,636
A F L A C Inc. (AFL) COM 001055102 914 20,550 SH   SOLE   10,275 0 10,275
AT&T Inc. (T) COM 00206R102 1,283 44,608 SH   SOLE   22,304 0 22,304
Abbott Laboratories (ABT) COM 002824100 3,809 34,786 SH   SOLE   17,393 0 17,393
Abbvie Inc (ABBV) COM 00287Y109 1,866 17,413 SH   SOLE   8,706 0 8,706
Accenture PLC (ACN) COM G1151C101 927 3,550 SH   SOLE   1,775 0 1,775
Advanced Micro Devices Inc (AM COM 007903107 718 7,830 SH   SOLE   3,915 0 3,915
Aerovironment (AVAV) COM 008073108 534 6,150 SH   SOLE   3,075 0 3,075
Air Prod & Chemicals (APD) COM 009158106 487 1,784 SH   SOLE   892 0 892
Alphabet Class A (GOOGL) COM 02079K305 1,066 608 SH   SOLE   304 0 304
Alphabet Class C (GOOG) COM 02079K107 5,455 3,114 SH   SOLE   1,557 0 1,557
Amazon Com Inc (AMZN) COM 023135106 7,243 2,224 SH   SOLE   1,112 0 1,112
Amcor PLC ADR (AMCR) COM Q03080100 873 74,152 SH   SOLE   37,076 0 37,076
Amgen Incorporated (AMGN) COM 031162100 524 2,280 SH   SOLE   1,140 0 1,140
Apple Computer (AAPL) COM 037833100 15,328 115,518 SH   SOLE   57,759 0 57,759
Auto Data Processing (ADP) COM 053015103 828 4,702 SH   SOLE   2,351 0 2,351
Autodesk Inc. (ADSK) COM 052769106 3,536 11,580 SH   SOLE   5,790 0 5,790
BWX Technologies (BWXT) COM 05605H100 805 13,350 SH   SOLE   6,675 0 6,675
Bank of America Corp. (BAC) COM 060505104 666 21,978 SH   SOLE   10,989 0 10,989
Bank of Montreal (BMO) COM 063671101 1,148 15,100 SH   SOLE   7,550 0 7,550
Bank of New York (BK) COM 064058100 431 10,150 SH   SOLE   5,075 0 5,075
Baxter Int'l (BAX) COM 071813109 448 5,580 SH   SOLE   2,790 0 2,790
Becton Dickinson (BDX) COM 075887109 635 2,538 SH   SOLE   1,269 0 1,269
Berkshire Hathaway Cl B (BRKB) COM 084670702 3,210 13,842 SH   SOLE   6,921 0 6,921
BioTelemetry (BEAT) COM 090672106 1,804 25,030 SH   SOLE   12,515 0 12,515
Boeing Company (BA) COM 097023105 581 2,714 SH   SOLE   1,357 0 1,357
Bristol-Myers Squibb (BMY) COM 110122108 1,249 20,138 SH   SOLE   10,069 0 10,069
CSG Systems Int'l (CSGS) COM 126349109 465 10,310 SH   SOLE   5,155 0 5,155
CVS Health Corp. (CVS) COM 126650100 2,478 36,286 SH   SOLE   18,143 0 18,143
Canadian National Railway (CNI COM 136375102 450 4,100 SH   SOLE   2,050 0 2,050
Carrier Global Corp (CARR) COM 14448C104 788 20,898 SH   SOLE   10,449 0 10,449
Celanese (CE) COM 150870103 1,959 15,080 SH   SOLE   7,540 0 7,540
Check Point Software Tech (CHK COM M22465104 2,290 17,230 SH   SOLE   8,615 0 8,615
Chevron Corp (CVX) COM 166764100 1,605 19,010 SH   SOLE   9,505 0 9,505
Cincinnati Financial (CINF) COM 172062101 558 6,390 SH   SOLE   3,195 0 3,195
Cisco Systems Inc. (CSCO) COM 17275R102 3,863 86,324 SH   SOLE   43,162 0 43,162
Coca Cola Company (KO) COM 191216100 1,494 27,250 SH   SOLE   13,625 0 13,625
Colgate-Palmolive Co. (CL) COM 194162103 1,185 13,858 SH   SOLE   6,929 0 6,929
Comcast Corp NEW CL A (CMCSA) COM 20030N101 2,637 50,318 SH   SOLE   25,159 0 25,159
Concentrix Corp (CNXC) COM 20602D101 642 6,500 SH   SOLE   3,250 0 3,250
DR Horton (DHI) COM 23331a109 792 11,490 SH   SOLE   5,745 0 5,745
Danaher Corp (DHR) COM 235851102 1,008 4,536 SH   SOLE   2,268 0 2,268
Disney Walt Hldg. Co. (DIS) COM 254687106 4,684 25,852 SH   SOLE   12,926 0 12,926
Dominion Energy Inc (D) COM 25746U109 462 6,150 SH   SOLE   3,075 0 3,075
Duke Energy Corp. (DUK) COM 26441C204 653 7,132 SH   SOLE   3,566 0 3,566
ETFMG Prime Cyber Security ETF COM 26924G201 1,653 28,720 SH   SOLE   14,360 0 14,360
Electronic Arts (EA) COM 285512109 414 2,880 SH   SOLE   1,440 0 1,440
Estee Lauder Companies, CL A ( COM 518439104 532 2,000 SH   SOLE   1,000 0 1,000
Exact Sciences (EXAS) COM 30063P105 2,806 21,180 SH   SOLE   10,590 0 10,590
Exxon Mobil (XOM) COM 30231G102 2,311 56,060 SH   SOLE   28,030 0 28,030
Fastenal Company (FAST) COM 311900104 738 15,110 SH   SOLE   7,555 0 7,555
General Mills, Inc. (GIS) COM 370334104 695 11,824 SH   SOLE   5,912 0 5,912
Globalstar Inc. (GSAT) COM 378973408 38 111,780 SH   SOLE   55,890 0 55,890
Graco Inc (GGG) COM 384109104 1,187 16,400 SH   SOLE   8,200 0 8,200
Hamilton Beach Brands Cl A (HB COM 40701T104 1,184 67,646 SH   SOLE   33,823 0 33,823
Hamilton Beach Brands Cl B Res COM 40701T203 1,216 69,452 SH   SOLE   34,726 0 34,726
Hologic Inc (HOLX) COM 436440101 1,406 19,306 SH   SOLE   9,653 0 9,653
Home Depot Inc. (HD) COM 437076102 3,155 11,878 SH   SOLE   5,939 0 5,939
Honeywell International (HON) COM 438516106 2,141 10,064 SH   SOLE   5,032 0 5,032
Hormel Foods (HRL) COM 440452100 1,366 29,301 SH   SOLE   14,651 0 14,651
Hyster-Yale Materials Handling COM 449172105 3,634 61,022 SH   SOLE   30,511 0 30,511
Illinois Tool Works Inc (ITW) COM 452308109 1,374 6,740 SH   SOLE   3,370 0 3,370
Intel Corp. (INTC) COM 458140100 3,709 74,456 SH   SOLE   37,228 0 37,228
Intl Business Machines (IBM) COM 459200101 408 3,244 SH   SOLE   1,622 0 1,622
Invesco Water Resource Port (P COM 46137V142 1,359 29,250 SH   SOLE   14,625 0 14,625
J P Morgan Chase & Co (JPM) COM 46625H100 3,210 25,262 SH   SOLE   12,631 0 12,631
J.M. Smuckers Co (SJM) COM 832696405 1,562 13,510 SH   SOLE   6,755 0 6,755
Johnson & Johnson (JNJ) COM 478160104 4,913 31,216 SH   SOLE   15,608 0 15,608
Kohlberg Kravis & Co (KKR) COM 48251W104 3,006 74,250 SH   SOLE   37,125 0 37,125
Korn Ferry International (KFY) COM 500643200 507 11,650 SH   SOLE   5,825 0 5,825
Landstar System (LSTR) COM 515098101 438 3,256 SH   SOLE   1,628 0 1,628
Levelblox (LVBX) COM 52730P102 1 55,000 SH   SOLE   27,500 0 27,500
Lilly Eli & Company (LLY) COM 532457108 1,860 11,016 SH   SOLE   5,508 0 5,508
Lowes Companies Inc. (LOW) COM 548661107 571 3,560 SH   SOLE   1,780 0 1,780
McDonalds Corp (MCD) COM 580135101 1,211 5,642 SH   SOLE   2,821 0 2,821
Merck & Co Inc. (MRK) COM 589331107 2,148 26,262 SH   SOLE   13,131 0 13,131
Microsoft Corp. (MSFT) COM 594918104 7,612 34,225 SH   SOLE   17,112 0 17,112
Mondelez (MDLZ) COM 609207105 408 6,980 SH   SOLE   3,490 0 3,490
Moodys Corp. (MCO) COM 615369105 566 1,950 SH   SOLE   975 0 975
Nacco Inds Inc CL A (NC) COM 629579103 678 25,776 SH   SOLE   12,888 0 12,888
NextEra Energy (NEE) COM 65339F101 1,865 24,178 SH   SOLE   12,089 0 12,089
Norfolk Southern Cop (NSC) COM 655844108 558 2,350 SH   SOLE   1,175 0 1,175
Oracle Corp. (ORCL) COM 68389X105 1,153 17,820 SH   SOLE   8,910 0 8,910
Otis Worldwide (OTIS) COM 68902V107 583 8,624 SH   SOLE   4,312 0 4,312
PNC Financial Services (PNC) COM 693475105 403 2,702 SH   SOLE   1,351 0 1,351
PepsiCo Inc. (PEP) COM 713448108 4,119 27,772 SH   SOLE   13,886 0 13,886
Pfizer Inc (PFE) COM 717081103 2,484 67,487 SH   SOLE   33,743 0 33,743
Phillips 66 (PSX) COM 718546104 1,100 15,722 SH   SOLE   7,861 0 7,861
Procter & Gamble (PG) COM 742718109 3,279 23,568 SH   SOLE   11,784 0 11,784
Qualcomm Inc. (QCOM) COM 747525103 582 3,822 SH   SOLE   1,911 0 1,911
ROBO Gbl Robotics & Auto'n ETF COM 301505707 1,556 25,560 SH   SOLE   12,780 0 12,780
Raytheon Technologies (RTX) COM 75513E101 2,489 34,804 SH   SOLE   17,402 0 17,402
SPDR Biotech ETF (XBI) COM 78464A870 641 4,550 SH   SOLE   2,275 0 2,275
SYNNEX Corp (SNX) COM 87162W100 529 6,500 SH   SOLE   3,250 0 3,250
Salesforce.com (CRM) COM 79466L302 1,189 5,342 SH   SOLE   2,671 0 2,671
Scotts Company (SMG) COM 810186106 1,402 7,040 SH   SOLE   3,520 0 3,520
Smith & Nephew (SNN) COM 83175M205 1,392 33,000 SH   SOLE   16,500 0 16,500
Sonoco Products (SON) COM 835495102 1,920 32,400 SH   SOLE   16,200 0 16,200
Southwest Airlines (LUV) COM 844741108 840 18,030 SH   SOLE   9,015 0 9,015
Standard Motor Products (SMP) COM 853666105 623 15,402 SH   SOLE   7,701 0 7,701
Starbucks Corp. (SBUX) COM 855244109 995 9,300 SH   SOLE   4,650 0 4,650
State Street Corp (STT) COM 857477103 648 8,900 SH   SOLE   4,450 0 4,450
Stryker Corp. (SYK) COM 863667101 627 2,560 SH   SOLE   1,280 0 1,280
Sysco Corp. (SYY) COM 871829107 2,442 32,882 SH   SOLE   16,441 0 16,441
T Rowe Price Group (TROW) COM 74144T108 1,106 7,306 SH   SOLE   3,653 0 3,653
TJX Cos Inc (TJX) COM 872540109 4,130 60,482 SH   SOLE   30,241 0 30,241
Taiwan Semiconductor ADRF Spon COM 874039100 2,001 18,350 SH   SOLE   9,175 0 9,175
Target Corporation (TGT) COM 87612E106 2,210 12,518 SH   SOLE   6,259 0 6,259
Tesla Inc (TSLA) COM 88160R101 755 1,070 SH   SOLE   535 0 535
Texas Instruments Inc (TXN) COM 882508104 1,190 7,250 SH   SOLE   3,625 0 3,625
The Trade Desk Inc (TTD) COM 88339J105 1,097 1,370 SH   SOLE   685 0 685
Trex Inc (TREX) COM 89531P105 2,841 33,930 SH   SOLE   16,965 0 16,965
Truist Financial (TFC) COM 89832Q109 413 8,618 SH   SOLE   4,309 0 4,309
US Bancorp (USB) COM 902973304 2,116 45,416 SH   SOLE   22,708 0 22,708
Ulta Beauty (ULTA) COM 903845303 1,473 5,130 SH   SOLE   2,565 0 2,565
Unilever PLC ADR New F (UL) COM 904767704 1,220 20,204 SH   SOLE   10,102 0 10,102
Union Pacific Corp. (UNP) COM 907818108 817 3,926 SH   SOLE   1,963 0 1,963
Unitedhealth Group Inc. (UNH) COM 91324P102 1,151 3,282 SH   SOLE   1,641 0 1,641
Verisk Analytics (VRSK) COM 92345Y106 2,290 11,030 SH   SOLE   5,515 0 5,515
Verizon Communications (VZ) COM 92343V104 2,813 47,880 SH   SOLE   23,940 0 23,940
Visa Inc (V) COM 92826C839 2,594 11,860 SH   SOLE   5,930 0 5,930
WalMart Inc. (WMT) COM 931142103 612 4,248 SH   SOLE   2,124 0 2,124
Zimmer Biomet Holdings Inc. (Z COM 98956P102 835 5,418 SH   SOLE   2,709 0 2,709
Zoetis Inc (ZTS) COM 98978V103 2,095 12,660 SH   SOLE   6,330 0 6,330
IShares S&P 100 Index (OEF) ETF 464287101 807 4,700 SH   SOLE   2,350 0 2,350
Invesco S&P 500 Equal Weighted ETF 46137V357 3,953 30,991 SH   SOLE   15,496 0 15,496
Invesco S&P 500 Low Vol ETF (S ETF 46138E354 815 14,500 SH   SOLE   7,250 0 7,250
Invesco SP500 Hi Div Low Vol ( ETF 46138E362 640 17,040 SH   SOLE   8,520 0 8,520
SPDR S&P Dividend ETF (SDY) ETF 78464A763 694 6,550 SH   SOLE   3,275 0 3,275
SPDR S&P Midcap 400 (MDY) ETF 78467Y107 15,430 36,744 SH   SOLE   18,372 0 18,372
SPDR Trust S&P 500 (SPY) ETF 78462F103 819 2,190 SH   SOLE   1,095 0 1,095
Schwab Large Cap Growth ETF (S ETF 808524300 9,973 77,669 SH   SOLE   38,834 0 38,834
Schwab Large Cap US ETF (SCHX) ETF 808524201 3,236 35,580 SH   SOLE   17,790 0 17,790
Schwab US Broad Market ETF (SC ETF 808524102 6,476 71,174 SH   SOLE   35,587 0 35,587
Schwab US Dividend Equity (SCH ETF 808524797 2,289 35,680 SH   SOLE   17,840 0 17,840
Schwab US Mid Cap ETF (SCHM) ETF 808524508 11,702 171,628 SH   SOLE   85,814 0 85,814
Schwab US Small Cap ETF (SCHA) ETF 808524607 8,288 93,118 SH   SOLE   46,559 0 46,559
Vanguard Extended Market Index ETF 922908652 532 3,230 SH   SOLE   1,615 0 1,615
Vanguard Mid Cap ETF (VO) ETF 922908629 930 4,500 SH   SOLE   2,250 0 2,250
Vanguard S&P 500 ETF (VOO) ETF 922908363 9,156 26,640 SH   SOLE   13,320 0 13,320
Vanguard Small Cap Growth (VBK ETF 922908595 3,707 13,850 SH   SOLE   6,925 0 6,925
iShares S&P US Preferred Stock ETF 464288687 4,263 110,700 SH   SOLE   55,350 0 55,350
IShares Min Volatility EAFE In ETF 43429B689 682 9,290 SH   SOLE   4,645 0 4,645
IShares S&P Global 100 ETF (IO ETF 464287572 1,532 24,350 SH   SOLE   12,175 0 12,175
Ishares MSCI Ireland ETF (EIRL ETF 46429B507 881 17,440 SH   SOLE   8,720 0 8,720
SPDR International Dividend ET ETF 78463X772 404 11,064 SH   SOLE   5,532 0 5,532
Schwab Emerging Markets ETF (S ETF 808524706 3,503 114,300 SH   SOLE   57,150 0 57,150
Schwab International Equity ET ETF 808524805 13,282 368,850 SH   SOLE   184,425 0 184,425
Vanguard Total World Stock Mar ETF 922042742 861 9,300 SH   SOLE   4,650 0 4,650
iShares MSCI Canada Index Fund ETF 464286509 456 14,780 SH   SOLE   7,390 0 7,390
iShares TR MSCI EAFE Fd (EFA) ETF 464287465 3,008 41,222 SH   SOLE   20,611 0 20,611